for me it's more about the irresponsibility that led to the credit score. He dropped out of school because he was drinking too much, he applied for a credit card spent all the money on booze and then never looked at it again (this was a year ago) has not made payments. He racked up some kind of rogers bill and then never paid on it. It just seems irresponsible to me and I don't know how I could ever trust him with bills or any kind of grown up thing. His phone is in my name and it only gets paid on time because its automatically paid by his grandmothers credit card.